UKRAINIAN AMERICAN CREDIT UNION ASSOCIATION (EIN 363094563) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1980

Legal Domicile

Principal Officer

ANDREW HORBACHEVSKY

Phone

7737441348

Tax Period

2023-01-01 to 2023-12-31

UKRAINIAN AMERICAN CREDIT UNION ASSOCIATION, founded in 1980, is a small nonprofit that reported $141K in total revenue in fiscal year 2023. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $134K left a modest 5% surplus.

Mission

THE ASSOCIATION PROMOTES COOPERATION AND NETWORKING AMONG THE UKRAINIAN AMERICAN CREDIT UNIONS IN THE UNITED STATES, ENSURES THAT UKRAINIAN AMERICANS ARE AWARE OF MEMBER CREDIT UNIONS SERVICES

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $48,011

Program Service Revenue $82,966

Investment Income $10,250

Other Revenue $0

TOTAL REVENUE $141,227

Expense Breakdown

Grants Paid $0

Salaries & Benefits $45,464

Fundraising Expenses $0

Program Expenses $66,438

Other Expenses $88,315

TOTAL EXPENSES $133,779

Year-over-Year Comparison

	2023	2022	Change
Revenue	$141,227	$119,706	+0.2%
Expenses	$133,779	$154,352	-0.1%
Net Income	$7,448	$-34,646	-1.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$35,000

Total Directors

$35,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREW HORBACHEVSKY	EXEC DIRECTOR	020.00	Officer Director	$35,000	$0	$35,000
ANATOLI MURHA	CHAIR	005.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$141,227	$133,779	$383,036	$7,448
2022	$119,706	$154,352	$357,855	$-34,646
2021	$72,015	$109,139	$397,931	$-37,124
2020	$90,763	$153,799	$429,625	$-63,036
2019	$116,338	$186,519	$492,661	$-70,181
2018	$105,909	$182,648	$562,843	$-76,739

UKRAINIAN AMERICAN CREDIT UNION ASSOCIATION